"...there is evidence that some borrowers have gone so far as to deny that they were active duty on loan applications, just to gain quick access to higher-interest loans"

This was the intent of the database check and the elimination of the covered borrower statement.

While based on CU survey's and the PAL exception doesn't apply to banks, the numbers are interesting.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell